Call reports 2009
NORTHUMBERLAND NATIONAL BANK, THE — 2009
What NORTHUMBERLAND NATIONAL BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 370,608,000 | 377,281,000 | 383,328,000 | 388,095,000 |
| Total loans | 216,799,000 | 221,588,000 | 219,185,000 | 220,749,000 |
| Allowance for loan losses | 2,232,000 | 2,249,000 | 2,338,000 | 2,329,000 |
| Securities available for sale | 122,084,000 | 126,148,000 | 136,389,000 | 137,618,000 |
| Securities held to maturity | 7,774,000 | 8,363,000 | 7,347,000 | 7,725,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 329,708,000 | 337,076,000 | 341,582,000 | 347,027,000 |
| Interest-bearing deposits | 301,737,000 | 310,558,000 | 315,529,000 | 318,003,000 |
| Noninterest-bearing deposits | 27,971,000 | 26,518,000 | 26,053,000 | 29,024,000 |
| Equity capital | 29,503,000 | 29,761,000 | 31,378,000 | 32,308,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,385,000 | 8,833,000 | 13,317,000 | 17,792,000 |
| Interest expense | 2,193,000 | 4,311,000 | 6,295,000 | 8,165,000 |
| Net interest income | 2,192,000 | 4,522,000 | 7,022,000 | 9,627,000 |
| Noninterest income | 487,000 | 913,000 | 1,550,000 | 2,121,000 |
| Noninterest expense | 1,876,000 | 3,807,000 | 5,769,000 | 7,715,000 |
| Provision for loan losses | 145,000 | 173,000 | 273,000 | 423,000 |
| Pretax income | 659,000 | 1,425,000 | 2,551,000 | 3,653,000 |
| Income tax | 131,000 | 292,000 | 574,000 | 847,000 |
| Net income | 528,000 | 1,133,000 | 1,977,000 | 2,806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,189,000 | 30,642,000 | 31,347,000 | 32,027,000 |
| Total capital | 32,421,000 | 32,891,000 | 33,603,000 | 34,330,000 |
| Risk-weighted assets | 180,197,000 | 182,236,000 | 180,424,000 | 184,176,000 |